If your Blue Cash Everyday® Card from American Express application was denied, the best thing you can do is call the Amex Blue Cash Everyday reconsideration line at (800) 567-1083. The Amex Blue Cash Everyday reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.
Here’s what you should do if your Amex Blue Cash Everyday application is denied:
Determine the specific reason for the denial. American Express sends a letter to affected applicants citing why the application was denied. Common reasons an application could be denied include a low credit score, an insufficient annual income, number of open credit accounts, and more. Incomplete or inaccurate information on the application will also lead to a denial.
Call the reconsideration line. If you think your denied application warrants a second look, you can contact Amex and ask for a reconsideration at (800) 567-1083. Be prepared to offer proof that the denial was based on inaccurate or outdated information, or that your financial situation has improved since you applied.
Consider other options. You could apply for a card that’s easier to get than Amex Blue Cash Everyday or sign on to someone else’s credit card account as an authorized user.
Ultimately, you can simply work on remedying the issue(s) that resulted in the denied application in the first place and apply for the Amex Blue Cash Everyday again. It is recommended to wait at least 30 days before submitting a second application, but most improvements will take longer than that anyway. Feel free to also check out WalletHub's guide on how to improve your credit score.
The Amex Blue Cash Everyday credit score requirement is 700, at a minimum. That means applicants for the Amex Blue Cash Everyday need good credit or better to be approved.
But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.… read full answer
Amex Blue Cash Everyday Credit Score Info:
The Amex Blue Cash Everyday credit score requirement is 700, at a minimum. That means you’ll need at least good credit for approval.
Other requirements for the Amex Blue Cash Everyday card include a steady income and a Social Security Number, ITIN or passport (Amex can access your credit reports from select countries so you don’t necessarily need a credit history in the U.S.). American Express will also look at your expenses, existing debt, credit history and recent credit inquiries.
Your Amex Blue Cash Everyday approval odds if you have a credit score of 700+ (good credit). Your approval odds will also be influenced by your annual income and existing debts. In addition, applicants will need to be 18+ years old with a U.S. mailing address and a Social Security Number or an Individual Taxpayer Identification Number.… read full answer
The best way to check your Amex Blue Cash Everyday approval odd is to use the Amex pre-qualification tool online. Pre-qualification does not guarantee you’ll be approved, but it does indicate you have high approval odds. Another good way to gauge your Amex Blue Cash Everyday approval odds is to check your credit score before applying.
Ways to check your Amex Blue Cash Everyday approval odds:
You can check for Amex Blue Cash Everyday pre-qualification online. Go to Amex’s pre-qualified offers page, enter your contact information and the last four digits of your Social Security Number. Then, click the “View my Offers” button to see if you’re pre-approved. If you are pre-qualified, it means American Express has done a soft inquiry on your credit and thinks you are likely to get approved.
Your Amex Blue Cash Everyday approval odds should be pretty similar to your odds with other American Express credit cards.
You can check your credit score. Credit card applications can temporarily damage your credit score. So, it’s best to know where you’re situated before applying. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement.
Apply for the card. When applying for Amex Blue Cash Everyday, a soft inquiry will be made on your credit report and you will be told with certainty if you are approved. However, if you are approved and choose to accept the offer afterward, Amex will do a hard pull, which may result in a small drop in your score.*
*This limited-time new application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.
The Amex Blue Cash Everyday has no disclosed minimum income requirement. However, as with any credit card, you will need to have sufficient income to afford payments. When applying, your total annual income may include wages, retirement income, rental properties and other personal income you can rely upon.
The Amex Blue Cash Everyday requires a credit score of 700, at a minimum. That means applicants need good credit or better to get approved. If you don't know where you stand, you can … read full answercheck your credit score for free, right here on WalletHub. Other factors, such as credit history, existing debts and your general ability to make credit card payments will also be taken into consideration.
You can also visit the Amex pre-qualification web page and check whether you pre-qualify for the Amex Blue Cash Everyday or other offers. Just keep in mind that pre-qualification indicates good odds of approval, but it doesn't guarantee it. Checking for pre-qualification only triggers a soft pull on your credit report, so your credit score won't be affected.
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